Airtel Axis Bank Credit Card vs Axis ACE Credit Card

Airtel Axis Bank Credit Card vs Axis ACE Credit Card

Last Updated : Feb. 22, 2025, 5:06 p.m.

The Airtel Axis Bank credit card is an Axis Bank credit card co-branded with Airtel. This card gives attractive cashback on utility bill payments and discounts on dining and food delivery apps. Further, you can enjoy a cashback on all other purchases and travel benefits like domestic airport lounge access. The Axis Bank Ace Credit Card is a card which maximizes your savings from daily expenses. The card enables you to earn cashback on Google Pay recharge, Zomato, Swiggy, Ola, and other purchases. Additionally, you get to enjoy dining discounts and one airport lounge access every quarter making spending rewarding and enjoyable.

Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card - A Comparison

ParameterAirtel Axis Bank Credit CardAxis Bank Ace Credit Card

Joining/Annual fee

  • The annual fee is Rs. 500 plus taxes
  • The joining or annual fee is Rs. 499 plus taxes

Annual fee waiver

  • You get an annual fee reversal on spending Rs. 2 lakhs or more in the previous year
  • You can get an annual fee waiver on expenses of Rs. 2 lakhs or more.

Cashback

  • Users will get a 25% cashback on Airtel mobile, WiFi, broadband, and DTH bill payments through the Airtel Thanks app, capped at Rs. 250 per month.
  • Get a cashback of 10% on utility bill payments, such as electricity, gas etc. capped at Rs. 250 every month through the Airtel Thanks app.
  • Get a discount of 10% on Swiggy, Zomato, and BigBasket, capped at Rs. 500.
  • Get an unlimited cashback of 1% on other expenses.
  • All the cashback accrued will be credited directly to the cardholder’s account.
  • Categories like fuel, utility, EMI, rent, jewelry, wallet, cash advances, insurance, educational, and government services are not eligible for cashback.
  • Get a 5% cashback on bill payments (Electricity, internet, gas, and more), DTH, and mobile recharges on Google Pay (Up to Rs. 500 every month)
  • Users on Zomato, Swiggy, and Ola can earn a 4% cashback, also capped at Rs. 500 per month.
  • A cashback of 1.5% is provided on other expenses.
  • The cashback earned will be credited directly to the cardholder’s account.

Welcome benefit

  • On making the first transaction within 30 days of card issuance, cardholders will get an Amazon voucher of Rs. 500

Movie/Dining Deals

  • With the Axis Bank dining delights program, users can get a 15% discount of up to Rs. 500 on food at 4000 plus participating restaurants across India.
  • Get a cashback of 4% on Swiggy and Zomato
  • With the Axis Bank Dining Delights program, users will get a 15% discount of up to Rs. 500 on dining at 4000 plus restaurants.
  • Get a cashback of 4% on Swiggy and Zomato

Travel benefits

  • Get 4 complimentary airport lounge access annually. This offer is only eligible if you spend Rs. 50,000 or more in the previous three months.
  • Get 4 complimentary domestic airport lounge access annually. You are eligible for this benefit if you spend Rs. 50,000 in the previous 3 months.

Fuel surcharge waiver

  • Get a fuel surcharge waiver of 1% on fuel purchases between Rs. 400 to Rs. 4000 (Up to Rs. 500 per month)
  • GST charged on fuel surcharge is not refundable.
  • No cashback is earned on fuel transactions
  • 1% fuel surcharge waiver on fuel purchases in the range of Rs. 400 to Rs. 4000 (Up to Rs. 500 per month)
  • GST charged on fuel surcharge is not refundable.
  • No cashback is earned on fuel transactions.

Which Card Do You Choose?

When determining which card to choose, it depends on where you are spending the money. The Airtel Axis Bank credit card is the most appropriate if you want to save maximum on Airtel services. It also enables you to save on monthly utility expenditures. Other benefits include lounge access, dining discounts, and travel discounts. The Axis Bank Ace Credit Card is a great choice due to the wide cashback provided across various categories. With a cashback of 5% on bill payments and mobile recharges made through Google Pay, it is a great choice for daily savings on various expenses. Thus both the cards offer enticing benefits and you have to opt for one according to your lifestyle and spending habits.

Frequently Asked Questions (FAQs)

What is the credit limit for the Airtel Axis Bank credit card?

How to increase the credit limit of the Airtel Axis Bank credit card?

Which is one Axis bank credit card suitable for high net worth individuals?

What is an APR in credit cards?

How to borrow an Airtel credit card?

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